6 year old debt

sam2009_2

I've debts with few credit cards and 2 banks, in total about £9000. All over 6 year old. I've been in and out of UK a lot in the last few years andmoved few addresses. I haven't acknowledge any debts for just over 6 years, it is more of the case of the lenders doesn't know my current addresses. I haven't been on electrol register as I'm not eligible to vote in UK.
I now wants to put my name on electrol register as I can now vote. So I expect soon as my name appears on register the lenders will get in touch with me.???
What should I do if any of the bank or creditcard company get in touch with me?

Please advise good people.
Thanks

AMBERSHADOW

If they are not county court judgements then you can send the statue barred letter template

sam2009_2

Thanks for your reply.
How can I find out whether there was county court judgement or not.
I moved around so much lost track of the debts and all the related paper works. Is there a way to find out?

ynwa1892

sam2009 wrote: »

Thanks for your reply.
How can I find out whether there was county court judgement or not.
I moved around so much lost track of the debts and all the related paper works. Is there a way to find out?

same here. A DCA has starting tracking me down now and ringing me up at work !!!!!!! I refuse to speak to them and ive ignored any correspondence from them also. the debt they are referring to is from 2000..well over the 6 years! Is there a statue barred template for northern ireland?

Tixy

http://www.trustonline.org.uk/
In England & wales - You can check for any CCJs in your name at the above - there is a small fee - I think its £8.

sam2009_2

Thanks for that link.
What if there was a CCJ, what should I do then?

Tixy

In Northern Ireland the act to refer to is - the Limitation (Northern Ireland) 1989 Order but I think the rules are pretty much the same otherwise.

Tixy

After a 6year period has elapsed from the date of CCJ even if there is a CCJ your creditor would still need to apply to court to chase you after that 6years. I believe they have to give the court a reason as to why they have not chased you sooner (although you not being on the electoral register may count as a good reason I'm not sure).

sam2009_2

Thanks Tixy for your explanation.
If they found a good reason for they could not chased me sooner then I could be in trouble again.

If there is NOT any CCJ then can I open a bank account with a high street bank. would that be a problem?

puddy

sam, just a neutral question (well maybe its a bit judgemental) but why did you abscond abroad with debt outstanding?

sam2009_2

jenner wrote: »

sam, just a neutral question (well maybe its a bit judgemental) but why did you abscond abroad with debt outstanding?

I'm a foreigner so had to leave the UK every time my visa ran out. I now become permanent resident and would like to stay in uk permanently and sort my self out.